Healthy Paws | Pet Insurance Review

Our lab ended up needing emergency stomach surgery to clear a blockage. At every step of the process attempting to diagnose her, it was a huge relief knowing exactly how Healthy Paws coverage works. No sneaky tricks, no after-the-fact exceptions for "genetic" conditions, no average allowable prices which have no bearing on reality. We know what pre-existing conditions of hers will not be covered, and aside from deductible and office fees, everything else for our plan is actual 90% reimbursement for actual expenses paid. We could make treatment decisions based on what she needed, without the added stress of worrying about what each thing would cost -- or even if it would be covered. Upload a PDF of our invoice and a check arrives a few days later. Incredible.

Our first pet insurance company, Purina, abruptly stopped covering our pets and went out of the business a couple of years ago. With that notification letter came a recommended company to take over our coverage, however, after reviewing that company we determined not to transfer to them. We researched several companies with Healthy Paws as one of them. Although they do not cover wellness or office visits, what they did cover was worth everything to us. They have lived up to all the coverage promised. Recently our five year old miniature dachshund suffered an IVDD incident. Healthy Paws has made the choices of how to treat our sweet little one so easy as surgery or confinement/medications/laser treatments etc. were covered by them 90% of our cost. She did end up having successful surgery on December 5, 2014, by Dr. Higgenbotham with Bush Veterinary Neurological Services in Richmond, VA. On December 12, 2014 our costs were covered by Healthy Paws for that 90%. Healthy Paws allowed us to do the very best for her. From our experience, Healthy Paws is an excellent provider.

Daisy was diagnosed last November with soft tissue sarcoma and Healthy Paws was there every step of the way. They quickly processed her claims so they we could continue to treat her, knowing the expenses were covered. They also emailed to check in on her, which meant a lot. Daisy's cancer has returned more aggressive this year and again Healthy Paws has been there helping to make the tough decisions a little easier. I am so glad I chose Healthy Paws. The customer service is top notch.

Not too long ago my 2 year old Vizsla, Prince, got very ill and had necrotizing pancreatitis. One day he was fine and the next he was rushed to the animal emergency room. We were told he might not make it! As devastated as we were, we told the doctors to do whatever they needed to do to help him regardless of the cost. The reason we were so comfortable with saying this is because we knew Healthy Paws pet insurance would cover the emergency expenses regardless of the limit. Prince was in the hospital for 4 days and Healthy Paws did not question one item on the bill. Within 5 days of his release I had a reimbursement check waiting in my mailbox. Thank you HEALTHY PAWS for being there in the time of need!

I simply cannot say enough good things about this company. I have never had pet insurance before, but when I adopted my beautiful little dog, something in the back of my mind said to get it. I researched companies, not liking the one the adoption people "recommended", and found Healthy Paws. I couldn't really believe it would work the way they said, but it DOES!!! I am a physician, myself, and know all the tricks most insurance companies play to avoid paying a claim. NONE of these were true of Healthy Paws. I was in an absolute panic when my little dog began limping, and when I was told she had to have surgery, I almost collapsed. Finances were the last thing I could think about! But, reality set in and I reluctantly filed the claim. I honestly expected it to be denied for one reason or another. Imagine my surprise when they not only approved it - within DAYS!!! - but wrote the check the same week! And, they are even going to help pay for her rehab! Every step of they way, they have sent encouraging messages, followed her progress, even cheering us along with her weight loss - badly needed for her full recovery. Their policy of considering the office visit and routine care as the owner's responsibility is COMPLETELY reasonable. And, the choice of deductibles and percentage of costs covered allows ME to chose my level of risk. I wish human health insurance could be this easy. If Healthy Paws ever decides to offer human insurance, I will be first in line to sign up!